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Loss of rent insurance

Claim back lost rental income

If the property you let becomes uninhabitable due to an insured event, such as a fire or flood.

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What is loss of rent insurance?

Loss of rent insurance enables you to claim back lost income if your rental property becomes uninhabitable due to an insured event and your tenants are forced to move out. An insured event includes things like a fire or flood.

If you wish to cover unpaid rent while your tenant or ex-tenant is still in your residential property, you can add Rent Guarantee as part of our legal expenses cover.

How do I get loss of rent insurance?

Loss of rent insurance is an optional cover that you can add to your residential, commercial or multi-property landlord insurance policy for an additional premium. This can be done when you get a quote or can be added at any time to an existing landlord insurance policy.

What are the benefits of loss of rent insurance?

When you rely on rent paid by your tenants to cover your own bills, it's important to make sure that the properties you let remain in good working order. But sometimes things happen that are outside of your control.

If your tenants are forced to move out as a result of an event that leaves the property uninhabitable, you'd lose that rental income until it can be rented out once again. Loss of rent insurance means you'll be able to claim back this lost income while the property is being repaired.

Frequently asked questions

Loss of rent is an optional part of our landlord insurance which you can choose to include in your cover if required.

You must insure for the full rental amount and can select which properties require the cover and for how long - one, two or three years.

If an insured event occurs which causes damage to the property and your tenants have to move out because it's uninhabitable, loss of rent cover will compensate you for the rent you lose while the property is being repaired.

An insured event can include fire, flood, and storm, or even actions of your tenants.

Loss of rent doesn't cover you for periods where the property is not occupied - rental voids - or if the tenant decides to stop paying the rent.

If you've suffered an insured event which makes the property uninhabitable and need to make a claim, then go to our page.

When reporting a claim, you should have the following handy:

  • Your policy number.
  • Details of what happened and when.
  • Details of the items you're claiming for, including their cost. We may also need to inspect damaged items, so don't chuck them out.
  • Any documents or photos to support your claim.

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